ZA Bank's H1 2026 Results: Net Profit 1.5 Times Higher Than Last Year

ZA Bank announced its interim results for the six months ending June 30, 2026, on September 30, 2026, showcasing a robust financial performance. The bank's net profit rose year-on-year to nearly 1.5 times that of the same period last year, reaching HK$70.6 million, continuing the growth momentum since it first achieved profitability, reflecting the sustainability of its business model.

Core Business Drives Profit Growth

According to ZA Bank's report, the increase in profits during the period was primarily driven by its core business, with a net interest margin that outperformed the industry, rising to 2.99%. Meanwhile, non-interest income continued to expand, with net income reaching HK$578 million, demonstrating ZA Bank's strong performance in asset-liability management and operations, and showcasing its solid profitability and long-term competitiveness.

Wealth Management Business Hits New High

In the first half of 2026, ZA Bank's wealth management business continued to grow, driving net service fees and commission income to a new high of HK$123 million, a year-on-year increase of 76%. The report noted that stock trading volume surged nearly sevenfold, with the total value of assets for investment users increasing by 155%. ZA Bank became the first digital bank in Hong Kong to launch the "Cross-Border Wealth Management Connect" (Southbound) and simultaneously provide commercial banking investment services, further enhancing its investment service offerings for retail and commercial clients.

Market Recognition

ZA Bank's performance in the Asian market has once again received authoritative recognition. At the Triple A Digital Awards 2026 by The Asset magazine, ZA Bank won multiple awards, including "Asia's Digital Bank of the Year," further solidifying its market position as a leading bank in Asia. This marks the fourth consecutive year that ZA Bank has received this honor, reflecting market confidence in its strategic direction and long-term development capabilities.

CEO Wu Zhonghao's Outlook

ZA Bank's CEO Wu Zhonghao stated that the consecutive profitability demonstrates strong growth momentum and profit resilience, emphasizing the superior net interest margin and growth in non-interest income, which fully validates its "product-driven, user-first" model. In the future, ZA Bank will continue to deepen its one-stop services covering wealth management, investment, and consumption, to provide a reliable, efficient, and customer-friendly digital banking experience.